Matching statute

In states with explicit matching statutes — Texas, Iowa, Minnesota among them — the language is clear: if a hail strike damages part of a roof and replacement shingles cannot match the undamaged sections, the carrier owes full replacement. NC has no equivalent statute on the books. What NC has is Department of Insurance regulatory guidance, Xactimate estimating conventions, and case law that collectively lean toward full replacement when like-kind materials are discontinued or no longer available.

We argue matching on nearly every partial-damage job where the shingle line has been discontinued. The argument is not about extracting more money — it is that a patch repair that does not match fails to make the homeowner whole, which is what the policy promises. The supplement cites the original shingle model number, the manufacturer's discontinued status, and any applicable DOI guidance. Carriers push back less than they used to once the documentation is properly assembled.